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Bermuda's Two Hospitals

Taxpayer-financed with both employers and employees paying for significant monthly healthcare insurance

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By Keith Archibald Forbes (see About Us) exclusively for Bermuda Online

To refer by e-mail to this file use "bermuda-online.org/kemh" as your Subject

See also Bermuda's Health Support Groups by the same author.

About today's two Bermuda hospitals and services

Bermuda is the only country in the world where the residents and visitors pay not once but three times for hospital and medical services. In the USA, where hospitals are privately financed built and operated, patients pay for all services they use. In Canada, Australia, New Zealand, the UK, Europe, etc. the great majority of hospitals are financed by taxpayers with hospital and medical services included in the taxes paid. But in Bermuda, taxpayers pay first for the building and operating costs as part of their taxes; again in hospital fees and services they use on an as-needed basis; and also in the health or major medical insurances they all must pay by law to either the government or to private and local insurance companies.

Staff at the two hospitals number over 1500. Bermuda has audiologists, chiropodists, chiropractors, dentists, dental technicians, dieticians, medical doctors. There are also emergency medial technicians, medical laboratory technologists, midwives, nurses with SRN status or equivalent or enrolled, occupational therapists, optometrists and opticians, dispensing opticians, pharmacies, pharmacists, physiotherapists, radiographers and speech-language therapists. Under the Nurses Act 1969, all nurses, whether registered (SRN or equivalent) or enrolled, are required to renew their licenses on an annual basis. The Medical Program at KEMH has an Annual Review and Awards Ceremony, sponsored by the Bermuda-based prominent international corporation Merck Sharpe and Dohme. It provides thousands of dollars a year in awards as part of a commitment to Continuing Medical Education at KEMH. 

Another hospital viewKing Edward VII Memorial Hospital (KEMH)

The main hospital, it is Bermuda Government owned and operated. Point Finger Road, Paget Parish DV 04, Bermuda. Postal address P. O. Box HM 444, Hamilton HM BX. Phone (441) 236-2345. Fax (441) 236-2213. KEMH is operated by the Bermuda Ministry of Health and Family Services, via the Bermuda Government-appointed Bermuda Hospitals Board (BHB). It is an Associate of the American Hospital Association. It has been accredited since 1972 by Accreditation Canada, formerly the Canadian Council on Health Services Accreditation, but does not appear on the latter's website.

The hospital's current life will come to an end in 2012, and plans to build a new one at the nearby Botanical Gardens were dropped after angry protests. The plan now is to rebuild the 40-year-old hospital in phases at the existing site, with ground to be broken in late 2010 and the new hospital to open by 2014. Of all the challenges facing healthcare in Bermuda, one of the biggest will be dealing with the ageing hospital which has been the subject of "devastating" reports from independent consultants. Recent reports into the health condition of KEMH have been made by experts from Johns Hopkins Medicine International and management consultants Kurron Shares, both of the USA. Legal advisors have been appointed to guide King Edward VII Memorial Hospital (KEMH) through planned $315 million upgrade. The project will be achieved through a public-private partnership (PPP). The private partner, which has yet to be announced, will pay around $260 million, with the rest footed by the BHB. In April 2009 the BHB announced the legal advisors are Davis LLP, appointed by the BHB to oversee the PPP following a "competitive procurement process. " The BHB noted that seven legal advisory firms from the UK and North America, all with extensive PPP experience and significant health care PPP experience, were invited to respond to BHB's invitation to submit qualifications. Davis LLP is a leading Canadian law firm that specializes in major infrastructure projects and public private partnerships. The rebuilding work is the first phase of a wider 25-year plan to bring KEMH up to modern standards.

In July 2009 three local firms won contracts to work on the $315 million redevelopment of the King Edward VII Memorial Hospital. Conyers & Associates, OnSite Engineering and Bermuda-Caribbean Engineering Consultants were selected as technical advisers to the project. The companies were picked after a competitive selection process. BHB deputy CEO Venetta Symonds stated: "These firms bring significant local knowledge regarding planning, design, engineering and construction to the project and are vital to creating output specifications that take Bermuda's unique conditions into account." The technical advisory team will help draw up a request for proposal (RFP) for companies bidding to design the new acute care hospital facilities in Paget. BHB said the redevelopment project which is "being funded through a public-private partnership" was on schedule. A preferred designer will be chosen by summer 2010.

In late April 2009 the Mott MacDonald Group was appointed as clinical advisers for the redevelopment of King Edward VII Memorial Hospital. BHB staff and Mott McDonald will form a Clinical Advisory Team, while input will be sought from patient groups, healthcare agencies and professionals.

King Edward VII Memorial HospitalIn the event of an emergency air evacuation from Bermuda to the USA or Canada, for medical services that cannot be performed in Bermuda, Bermuda Air Medivac Ltd is the operator of Bermuda's only emergency aircraft. A well-known philanthropist, David Barber, donated $2 million in 2005, in memory of his wife Mary, to buy an 11-seater jet for the company. Before the initiative, those critically injured or seriously ill had to wait for air ambulances based in the United States and Canada to fly to Bermuda and transport them off the Island.

In July 2008 three doctors arrived on the Island to staff a new programme aimed at improving standards at the hospital. As well as the three doctors, the Hospitalist Program, directed by a Bermudian doctor, began on July 16, 2008. The idea behind the program, said to be employed in some hospitals the United States and Europe, is to have trained internists available to admit and attend to patients in the hospital. Currently, patients are seen initially by house officers who are doctors-in-training for their screening before their general practitioners are called. Patients will either be screened by their doctors or the internists when they enter the hospital. The program is intended to increase the supervision and assist the house officers in the care of the patients. When patients are admitted into the hospital they will be asked whether or not they want to use their GP or the hospitalist. If they want to use their GP the hospitalist will still do the admitting, but can then transfer the patient to their doctor's supervision while they are in the hospital. It is hoped the program will improve care and decrease the length of stay in the hospital. It will provide patients with a hospital physician who is responsible for their care while they are in the hospital. The hospitalist is expected to work very closely with GPs and remain in regular communication with them. However, the patients would have around the clock physician coverage which will help standardize the level of care currently received.

Services include:

Mid Atlantic Wellness Institute (Formerly St. Brendan's Hospital)

44 Devon Spring Road, Devonshire FL01. P. O. Box DV 501, Devonshire DV BX. Phone (441) 236-3770, fax (441) 235-9383. Also Bermuda Government owned and operated. It includes a detoxification unit, 8-bed. At the Turning Point Center.

Registration required for all newcomers and locals

Hospital emergencyThis applies to Medicine and Professions supplementary to Medicine. Also, in addition to whatever registration employees are required to have to obtain or retain their accreditation overseas, registration in Bermuda in the appropriate discipline must be obtained before practice is permitted locally, whether at the Bermuda Government-owned hospitals hospitals or in private practice. This applies to a wide range of specialists including Addictions Counseling; Audiology; Chiropody; Diagnostic Imaging technology; Dental Hygienists; Dental Practitioners; Dental Technicians; Dietetics; Emergency Medical Technicians; Medical Laboratory technologists; Midwives; Occupational Therapy; Optometrists and Opticians; Pharmacies; Pharmacists; Physiotherapy; Radiography; Specialist Diagnostic Imaging technology; Speech-Language Pathology.

To better regulate health professionals, there are now powers to suspend or bar people for misconduct. The Professions Supplementary to Medicine Amendment Act 2006 , enacted by the Bermuda legislature, ensures practitioners are competent and stay up to date with the latest techniques and that there are more teeth for dealing with complaints. The primary purpose is to ensure they meet established standards of education, training and professional conduct and are educated about new procedures that come along. Covering such professional categories such as physiotherapist, occupational therapist and diagnostic imaging the Act establishes a Council for Allied Health Professionals to promote patient interests and exercise discipline over practitioners. A Preliminary Proceedings Committee has been set up to investigate complaints – serious complaints will then be referred to a Professional Conduct Committee which can hand out fines of up to $2,000, suspend a person’s registration for a year or even bar them from practicing. 

Registers and/or interested organizations include

Only persons on their respective registers are recognized to practice in Bermuda. All involved who need or want further details about registration should contact the Administrative Assistant to the Council, Ministry of Health and Family Services, P. O. Box HM 1195, Hamilton or telephone (441) 236-0224 extension 3441.

Age Concern Bermuda Bermuda-registered charity # 137. 25 Point Finger Road, Paget DV 04, Bermuda. P. O. Box HM 2397, Hamilton HM JX, Bermuda. Telephone (441) 238-7525. Fax (441) 238-7177. E-mail info@AgeConcern.bm. Claudette Fleming, Executive Director. Open to the public 9 am-4 pm Monday-Friday. Not part of Age Concern in UK and not offering the services they do. Most of the income from this entity is from the corporate private sector, Bermuda Government and some individuals. Income goes to operating expenses. It communicates its work and networking capabilities through conferences, forums, newsletters, supplements. It operates at the systems level, not necessarily the individual level. It is a 'connector' and 'watchdog' group not a direct service provider, an administrative body, considering long term needs for Bermuda. It is engaged in public speaking, advocacy and a lot of report writing to government and those who fund it. There is an annual membership fee to individuals.
Bermuda Council on Ageing Since late 2006. Charged with coercing Government to implement strategies necessary to protect one the island’s fastest growing demographics. The Department of Statistics estimates the over-65 population will reach 22 percent by 2030 – double the amount of the 2000 Census. So one of the most crucial roles for the Council is preparing the country for an onslaught of elderly care giving – at home and in assisted living facilities.
Bermuda Dental Association  
Bermuda Dental Board See Bermuda Government Boards. P. O. Box HM 2748, Hamilton HM LX. Phone 295-8233. 
Bermuda Health Alliance Suite 200, 40 Par La Ville Road, Hamilton HM 11. Telephone (441) 296-2875. A cooperative venture of the Bermuda Diabetes Association, Bermuda Hospitals Board, Bermuda Heart Foundation, Friends of Hospice, Resident's Family Council and Hospitals Auxiliary. Registered charity.
Bermuda Health Care Consortium Founded September 20, 2002. Chairman Mark Selley. Founded to help bring much-needed long-term insurance and other pressing needs to Bermudians and residents presently without the type of coverage or financial and other support services common in other developed countries. Call Chairman at "Ship's Bow," 4 Keith Hall Road, Warwick WK 06, phone 236-0037
Bermuda Health Council A Bermuda Government appointed entity. Established as an official health watchdog. Responsible for regulating, coordinating and enhancing the delivery of health services in Bermuda.  Made up of doctors, insurers, hospital officials and patients. Also responsible for regulating the price of drugs sold to the public and conducting research on the subject of public health.
Bermuda Health Foundation Owned and operated by Murray Brown, Philip Butterfield, Dr. Vincent Bridgewater and Dr. Ewart Brown
Bermuda Heart Foundation For coronary incidence, treatment and prevention. P. O. Box HM 1993, Hamilton, HM HX. Telephone (441) 295 3346. Fax: (441) 295-5371. A registered charity, 1996. Unlike most support groups, it is a major player in arranging the funding for critically important life saving heart related equipment for the hospital and is supported by health professionals of the highest reputation in every relevant field. It has no paid employees. Board meetings are on the 3rd Thursday each month. Board of Directors include Dr. Shane Marshall, MD, FRCPC. Goals are equipment, building, direct services, education.
Bermuda Hospitals Board See Bermuda Government Boards
Bermuda Hospitals Charitable Trust (BHCT) P. O. Box HM 444, Hamilton HM BX. Executive Director is Wendy Augustus at e-mail wendya@bhct.bm. An independent organization founded as the formal charitable arm for accepting donations and fundraising on behalf of the Bermuda Hospitals Board (BHB). As a Trust, BHCT is an entirely separate entity from the BHB and Ministry of Health. It is governed by its own Board of Trustees who determine policy and are responsible for its own sound fiscal management.
Bermuda Medical Association (BMA) 75 Victoria Street, Hamilton. An association of all medical doctors in practice in Bermuda.
Bermuda Medical Council See Bermuda Government Boards
Bermuda Medical Society King Edward VII Memorial Hospital, Point Finger Road, Paget. An association of all medical doctors in practice in Bermuda. All doctors in the heath care profession in Bermuda must be members.
Bermuda Nurses Association Patrice Dill at (441) 236-3770 extension 3254. A registered charity and active organization that celebrates the annual Nurses Week theme with community wide activities, free blood pressure, blood sugar and blood cholesterol screening. Under the Nurses Act 1997, all nurses whether registered or enrolled must renew their licenses on an annual basis and pay dues each year.
Bermuda Nursing Council See Bermuda Government Boards
Bermuda Occupational Therapists Association See web site.
Bermuda Organ and Tissue Donor Association For more information, call KEMH  at 236-2345. Welcomes those willing to become donors. In association with the New England Organ Bank.
Bermuda Pharmaceutical Association (BPA) All Bermuda pharmacies must be licensed members.
Bermuda Psychologists Registration Council See Bermuda Government Boards
Bermuda Stroke & Family Support Association The Association meets on the third Wednesday night each month at 7 pm at King Edward VII Memorial Hospital. Telephone D. Mark Selley, Chairman, at 293-3121. Or write to him at "Seven Seas" #6 Rock Garden Lane, Harrington Hundreds Road, Smiths FL04, Bermuda. Phone 293-3121 or cell 334-8487. Or phone  Hilary Soares 236-4187; Ann Selley 295-3764; Hazel Lowe 236-0407; Moira Lindo 294-7613. RC 361. 

Support, help, advice, encouragement, to assist Bermudian and Bermuda-based stroke survivors of all ages and backgrounds and families affected by stroke. Has no membership dues, takes no minutes, has no structured agenda or board of management. Strokes, more than any other medical problems, cause permanent chronic disabilities. Stroke identification - how to identify signs of a stroke - may be crucial. Getting a stroke recognized, diagnosed, and then having the patient medically cared for within 3 hours, which is tough, can make the difference between life and death. The stroke victim may suffer severe brain damage when people nearby fail to recognize the symptoms of a stroke. Now doctors say a bystander can recognize a stroke by asking simple questions, or looking carefully. Can the person smile? Is the face crooked or normal? Can he/she talk and speak a simple sentence coherently? ( For example, it is sunny out, today). Speech is important. Can he/she raise both arms? Can he/she stick out their tongue?  If the tongue is crooked or goes to one side or another, it's another cause for concern. If he/she has trouble with any one of these four questions, call the doctor or hospital or emergency service immediately and describe the symptoms.

Older adults often do not realize or may even forget they have had a stroke and may not be a reliable source of medical information, US researchers said  in May 2009. Brain scans showed that while just 12 percent of seniors asked about strokes remembered having had one, nearly a third had brain damage showing they had. (Permanent brain damage results from a stroke). The stroke itself could damage memory, and many people may also have so-called silent strokes that are never diagnosed at the time. Stroke is associated with motor impairment but can also be accompanied by impairments in memory, sensation and speech or language, diminishing the ability of an individual to accurately report a history of stroke. Researchers who want to study strokes in adults young and old need to rely on MRI scans, and not patients, to get accurate information about stroke history.

50% of all strokes occur in people who have no prior symptoms. Strokes are a leading cause of severe permanent disability and death. People never recover fully from strokes, their limbs or brain or heart are often permanently affected. Some hospitals (unfortunately not in Bermuda) or private health systems (such as LifeLineScreening.co.uk) offer ultrasound screenings that can identify risk of strokes. Screenings are fast, painless, accurate and often affordable, involving four tests. Test 1 is stroke carotid artery screening. Test 2 is atrial fibrillation screening. Test 3 is abdominal aortic aneurysm (AAA) screening. Test 4 is peripheral arterial disease (PAD) screening.

Bermuda Tuberculosis, Cancer & Health Association 46 Point Finger Road, Paget. P. O. Box HM 1652, Hamilton HM FX. Phone 236-0949. Website tbcancer.bm. RC 070. Since 1945, founded to assist patients fighting TB. It educates the community about prevention and early detection of cancer. It conducts 75% of all mammograms. It educates and supports diabetic and ostomy patients. It provides storage of all X-ray and related health-condition films required from non-Bermudians by Immigration. Cancer is the second leading cause of death in Bermuda, and the island has a higher cancer mortality rate when compared to the United States, one of the disturbing findings of the (released in 2006) 2004 Cancer in Bermuda Study. The co-author of the study, Dr. Frederic Dellaire, said the study compared the incidence of cancer in Bermuda and in the United States. Bermuda had a 45 percent higher mortality rate for all cancer sites than the US and the mortality for prostrate cancer was 2.65 times higher in Bermuda despite a comparable incidence rate. Some other key findings of the report were: 25 percent of all deaths in Bermuda were attributed to cancer. Cancer rates in white women were found to be higher in Bermuda. In whites, the specific cancer types that had a higher rate in Bermuda when compared to the United States included; oral cavity cancer, melanoma, colorectal cancer (in females) and breast cancer. In blacks, the specific cancer types that had a higher rate in Bermuda when compared to the United States included: oral cavity cancer (in males), and ovarian cancer. Lung and colorectal cancers had lower rates in blacks from Bermuda when compared to blacks from the US. Recognized risk factors for oral cavity cancer are tobacco use, alcohol consumption and a diet poor in fruits and vegetables. The most common types of cancer in Bermuda include (in descending order) prostate, breast, colon and rectum, lung and bronchus, and skin. 
Board of Chiropodists See Bermuda Government Boards
Board of Dietitians See Bermuda Government Boards
Board of Medical Laboratory Technologists See Bermuda Government Boards.
Board of Occupational Therapists See Bermuda Government Boards
Board of Physiotherapists See Bermuda Government Boards
Board of Radiographers See Bermuda Government Boards
Board of Speech Therapists See Bermuda Government Boards
Council for Allied Health Professionals Established in 2006, it promote patient interests and exercise discipline over practitioners. It has a Preliminary Proceedings Committee, set up to investigate complaints – with serious complaints referred to a Professional Conduct Committee which can hand out fines of up to $2,000, suspend a person’s registration for a year or even bar them from practising. 
Diabetes Resource Centre Beacon House, Beacon Street, Hamilton. People can get their blood sugar tested and pick up supplies of insulin and syringes here, while patients without adequate insurance coverage can get financial assistance from Bermuda Diabetes Association. Visitors can also read publications related to diabetes, while bi-monthly foot screenings are available by a podiatrist. Support for the project has come from Allied World Assurance, Butterworth Associates, XL, the Bermuda Society for the Blind and the Corporation of Hamilton. The Long Riders Motorcycle Club's 48-hour ride for diabetes last year raised $18,000 towards costs. The dispensary is open from 8.30 a.m. to 12.30 p.m. Monday to Friday. Private consultations may be arranged in weekday afternoons. Telephone 297-8427 or 29-SUGAR for more information.
Government Employees (Health Insurance) Appeals Tribunal See Bermuda Government Boards.
Government Employees (Health Insurance) Management Committee See Bermuda Government Boards.
Health & Safety Advisory Council See Bermuda Government Boards
Hospital Insurance Commission See Bermuda Government Boards
Medical Practitioners A register of names of doctors under Section 6 (2) of the Medical Practitioners Act 1950 is maintained by the Bermuda Medical Society and Bermuda Hospitals Board. It is in the order in which they were registered in Bermuda.
Medical Reference Committee A Bermuda Government committee under the Motor Car Act 1951 to determine the fitness or otherwise of licensed Bermuda drivers, especially those over 75 years old. See Bermuda Government Boards
Mental Health Review Tribunal Bermuda Government appointed under the Mental Health Act 1968. See Bermuda Government Boards
National Drug Commission See Bermuda Government Boards
Optometrists and Opticians Council See Bermuda Government Boards.
Professions Supplementary to Medicine Council See Bermuda Government Boards
Register of Audiologists Bermuda Government maintained under the Professions Supplementary to Medicine Act 1973. A full list is published annually.
Register of Chiropodists Bermuda Government maintained under the Professions Supplementary to Medicine Act 1973, not in alphabetical order but in order of day of registration so that those earliest currently registered are first and the most recent are last. A full list every year.
Register of Dental Hygienists Bermuda Government maintained under the Dental Hygienists Regulations 1950. A full list every year.
Register of Dental Technicians Bermuda Government maintained under Regulations 2(b) of the Dental Technicians Regulations 1950. A full list every year.
Register of Dental Practitioners Bermuda Government maintained under the Dental Practitioners Act 2008, not in alphabetical order but in order of day of registration so that those earliest currently registered are first and the most recent are last. A full list every year. The new act amends the  Dental Practitioners1950 act which had no provision for registering dental hygienists and assistants. The act also requires dentists, hygienists and assistants to have continuing education to remain registered, have a professional conduct committee with mandatory reporting of impaired practitioners, a report annually and more.  The Board increased from five to seven members with the senior Government dental officer becoming an ex officio member. The Bermuda Dental Association and Bermuda Dental Hygiene Association will be allowed to nominate members for the Minister to appoint, similar to other medical boards.
Register of Dieticians Bermuda Government maintained under the Professions Supplementary to Medicine Act 1973, not in alphabetical order but in order of day of registration so that those earliest currently registered are first and the most recent are last. A full list every year.
Register of Emergency Medical Technicians Bermuda Government maintained, registered with the office of the Chief Medical Officer. Some are Bermuda Hospitals Board, others are Bermuda Fire Service. A full list every year.
Register of Medical Laboratory Technologists Bermuda Government maintained under the Professions Supplementary to Medicine Act 1973, not in alphabetical order but in order of day of registration so that those earliest currently registered are first and the most recent are last. A full list every year.
Register of Medical Practitioners Bermuda Government maintained under Section 6 (2) of the Medical Practitioners Act 1950, not in alphabetical order but in order of day of registration so that those earliest currently registered are first and the most recent are last. A full list every year.
Register of Midwives Bermuda Government maintained under Section 6 (2) of the Midwives Act 1949, not in alphabetical order but in order of day of registration so that those earliest currently registered are first and the most recent are last. A full list every year.
Register of Occupational Therapists Bermuda Government maintained under the Professions Supplementary to Medicine Act 1973, not in alphabetical order but in order of day of registration so that those earliest currently registered are first and the most recent are last. A full list every year.
Register of Optometrists & Opticians Bermuda Government maintained under Section 4 Part III of the Optometrists and Opticians Act 1973, not in alphabetical order but in order of day of registration so that those earliest currently registered are first and the most recent are last. A full list every year.
Register of Pharmacies Bermuda Government maintained under Part IV Section 17(4) of the Pharmacy & Poisons Act 1979, in alphabetical order. A full list every year.
Register of Pharmacists In accordance with Section 7 (4) of the Pharmacy & Poisons Act 1979. It shows every currently licensed pharmacist - Bermudian and non-Bermudian - by full first, middle and last name and the year, day and month when entered in the register.
Register of Physiotherapists Bermuda Government maintained under the Professions Supplementary to Medicine Act 1973, not in alphabetical order but in order of day of registration so that those earliest currently registered are first and the most recent are last. A full list every year.
Register of Psychologists Registrar General, Section 8, Psychological Practitioners Act 1998. A full list every year.
Register of Radiographers Bermuda Government maintained under the Professions Supplementary to Medicine Act 1973, not in alphabetical order but in order of day of registration so that those earliest currently registered are first and the most recent are last. A full list every year.
Register of Speech-Language Therapists Bermuda Government maintained under the Professions Supplementary to Medicine Act 1973, not in alphabetical order but in order of day of registration so that those earliest currently registered are first and the most recent are last. A full list every year.
Standing Medical Board Pension and Gratuities (War Service) Act 1947. All surviving beneficiaries of such pensions are senior citizens.

Accommodation for doctors and nurses from abroad

Some accommodation is available for incoming non-Bermudian doctors and nurses. Incomers to Bermuda, the second most wealthy place in the world according to the World Bank, should confirm before they sign any contracts that terms and conditions of service generally are comparable and equivalent in accommodation, length of service, upward mobility, salaries, benefits and airfares to those offered in American, Australian, Canadian, Cayman Islands, European and New Zealand hospitals. At all such places abroad, for academically and professionally qualified staff standard attractions and contracts include all local Board of Nursing or MD-certified or equivalent fees paid, accommodation (one-bedroom or more) for up to three months, round-trip air fares once every year or two, transportation for up to three months, good accommodation and living conditions and a sign-on bonus.

Costs to Consumers

There is no reciprocal hospitalization or healthcare plan with any other country. 

In March 2008, Bermuda's Members of Parliament approved a 7.5 percent rise in hospital fees for the second year running, under the Bermuda Hospitals Board (Hospital Fees) Regulations 2008 which came into effect on April 1. The fee increase was recommended by Bermuda Health Council and was partly to enable the Bermuda Hospitals Board (BHB) to pay for the five-year management services contract it entered into with US firm Kurron Shares in 2007. The last increase, also of 7.5%, was a year earlier when it was claimed the rise would give King Edward VII Memorial Hospital greater financial stability and allow it to plan and develop strategies to improve patient care. In 2007 Former Opposition Leader Grant Gibbon said there had been a 70 percent increase in standard premiums in the past five years. Overall, with the new fees in 2007, while residents pay a somewhat lower rate than visitors, rates are now about 25% higher than they are in a similar-sized community hospital in the USA

Surgical, medical and dental rates are extra and are covered in the Bermuda Hospitals Board (Medical and Dental Charges) Amendment Order. Non-residents should pay for medical services, then claim on their overseas insurance. Canadians and Britons used to National Health will find local services very costly, sometimes with only a small amount of the total bill in Bermuda paid by the British or Canadian systems. 

Once, the hospital system was private sector. At that time, it was supported by charity with the efforts of visitors like Mark Twain and British Army then in Bermuda. Today, the costs to all who need the hospitals of Bermuda are not included in national direct and indirect taxes as they are in Canada and the United Kingdom. There is no national health plan in Bermuda. Local taxpayers and visitors pay for hospitalization and related services in several concurrent ways: 

Health Care and Major Medical insurance 

Prudent visitors will bring spare money in US Dollars, travel insurance and health insurance to cope with possible unexpected problems including accommodation in an emergency medical situation or a death. Visitors from the United Kingdom should note that the National Health Service of the UK does not apply at all in Bermuda. Nor does it have an equivalent. Medical costs here are as high as, often higher than, those in the USA. Affordable accommodation in Bermuda for such emergencies, especially from April to November, is extremely difficult to find. Every week, visitors suffer emergencies. Many say they do not make any contingency or emergency plans. They claim they have no money and no health and travel insurance for unexpected problems. (When locals go the USA and elsewhere, on cruises or by air, they must either have such a plan or be prepared to pay full medical costs themselves).

In Bermuda, There is no insurance coverage for birth control, only for abortions in certain approved circumstances. 

There is no Long Term Health Care Insurance offered at all by local insurance companies and those international insurance companies incorporated in Bermuda offering it in other countries even when their home offices are, for example, in the USA, are not allowed by law  to offer it in Bermuda. Many residents, whose major medical insurance through their employers stops, if they had it at all, when they reach 65, have had to spend many thousands of dollars of their own money overseas, with no insurance. Visitors who come on vacation or to see family or friends should be aware in advance that they are not entitled to any local health insurance employer-provided employee coverage or benefits. Not covered are services like ambulance fees, x-rays, doctors' consultations and reports, etc. Check whether the hospital will recognize any insurance plans not operated in Bermuda. It may do so, up to a point, for people from the USA with Blue Cross and Blue Shield insurance. 

Health report

A recent health report - the Bermuda Government's Adult Wellness Report - showed that

Referrals

Patients who need tests or treatments at bigger facilities beyond Bermuda are first referred by doctors then go by commercial air or air ambulance to hospitals overseas.  If patients are not covered by Major Medical insurance when they are referred to an overseas hospital, they have to bear the costs themselves. It will be very expensive. Such services are not provided under HIP in Bermuda. One overseas hospital is the world famous Johns Hopkins Hospital at 600 N. Wolfe Street, Baltimore, Maryland. Its superb, comprehensive Rehabilitation Center is available six to seven hours a DAY including Saturdays. Others include the Lahey Clinic, Massachusetts General, Brigham and Women's, all in MA; and for cardiovascular, the Washington Medical Center in Washington DC. 

Health related support groups in Bermuda

For people who have to live with disabilities or problems or both, their immediate caregivers and too often for survivors, including family, friends, co-workers or classmates, a strong support network is an essential part of good physical, mental and spiritual health. 

History of hospitals in Bermuda

1812. 1st Hospital. Royal Navy. Admiralty House, Long gone.
1818. Construction of the RN Hospital near the Dockyard, in the same pre-fabricated manner as the Commissioner's House. In addition to cast iron structural features, such as veranda columns, floor joists, and possibly cast and wrought iron roof trusses, some of the stonework for the building was the hard local limestone. During World War 2, it treated and often saved the lives of many brought in from torpedoed ships.  Royal Navy left in 1950s. That great building ended its life as an egg farm, then finally was deliberately burnt to the ground by the Fire Department in November 1972. Part of it became the site for Lefroy House, for senior citizens.
1841. Planning of first Bermuda civilian hospital. . On 28 April, the Bermuda Legislature passed an "Act for the Safe Custody of Insane Persons charged with Offences. " It was the first local legislation to deal specifically with persons with mental problems. Persons charged, if found to be insane, were kept in custody until they could be sent to an asylum. In 1846, a further Act was passed to establish a hospital for the reception of "insane paupers." It enabled the Governor, Lieutenant Colonel William Reid, to buy land in a central parish for an asylum. Moved to and see under "St. Brendan's Hospital" in Devonshire Parish.
1848. Opening of first Bermuda civilian hospital -  the Lunatic Hospital (as it was then called, insensitively). Dr. Henry Josephus Hinson, a graduate of Edinburgh Medical School in Scotland, was the first medical superintendent. It remained in its original location for 22 years. 
1864. A Board of Health hospital was established at Cedar Hill, St. George's, for victims of the Yellow Fever epidemic then raging in Bermuda.
1868. Re-location and expansion of former Lunatic Hospital, now St. Brendan's. It moved to its present location, the site of the former Devonshire College. Later, under Governor General Sir John Lefroy, the Devonshire College buildings were expanded after he convinced Parliament to spend £3,650 sterling to pay for additional work. A much larger facility was required from the beginning of the 20th century, especially during and after the two world wars. St. Brendan's became its official name, after the Irish saint born about 484 AD.
1850s. 3rd Hospital. British Army, Prospect. Building still there, British Army left in 1950s, continued as Bermuda Government-owned Old Prospect Hospital until 1971/72. No longer a hospital. 
1894.  March 11, Hospital Sunday. 4th Hospital. Second civilian hospital. Patients of all classes who required hospital treatment were admitted to the little rectangular structure known as the Cottage Hospital which had only a handful of beds. It was the first civilian (but not military, as there were two) hospital in Bermuda. It was on elevated ground near the east end of Pembroke Parish on the Military Road from Fort Hamilton to Prospect. It subsequently became King Edward VII Memorial Hospital. See below.
1901. Port's Island Hospital for Boer War prisoners-of-war. Also used to house 3 German nationals interned and 58 German merchant seamen in the 1914-18 Great War.
1920. The first official Royal Visit to Bermuda was when Albert Edward, Prince of Wales (later, briefly, King Edward VIII) concluded his tour of the British Empire. It was the first of three visits to Bermuda by him. On this first occasion, one of his official duties was the opening of the King Edward VII Memorial Hospital on its present Paget location, formerly the much smaller Cottage Hospital in Paget Parish.
1941. First American hospital facility in Bermuda. American troops at the Castle Harbour Hotel brought with them a medical contingent of eight officers and men and established on a temporary basis on the first floor of the hotel an infirmary, not a hospital.
1941. August. First American Hospital in Bermuda. It was at what was was - is now, again - the Bermuda Biological Station for Research at Ferry Reach. The American Government obtained a lease of the buildings and grounds (with the biologists re-housed at the Government Aquarium, Flatts). A temporary American military hospital was established there. It was staffed by four physicians, a dentist and nurses, all US Army personnel. It was responsible for all members of the US Army Engineers and the thousands of workers involved in the building of the Fort Bell/Kindley Field Base.
1941. September. US Navy began construction of an Annex Clinic at the first US Armed Forces Base in Bermuda, in Southampton Parish. In 1993, it was closed and amalgamated with the Base Clinic at USNAS, St. David's.
1941. October. Work was begun by US Army Engineers on the building of an elaborate 150-bed permanent hospital at Fort Bell. It is no longer there but on the same site on which the present, much-newer, former US military hospital - but now abandoned, vandalized and vacant - now stands.
1942. When the Riddell's Bay Golf Club was a US Navy recreation centre during the war, a mobile hospital for the war-wounded was established nearby. It too saved the lives of many brought in from torpedoed ships. Others were brought in to the Royal Navy Hospital just outside Dockyard (now Lefroy House).
1943. May. The first US Military base hospital at Fort Bell was finally completed, but only with the bare essentials, notwithstanding its price-tag to US taxpayers of more than $1 million. But there were sufficient facilities at the new site to justify giving plenty of notice in advance of the closure of the infirmary at the Castle Harbour Hotel and the temporary hospital located at the Bermuda Biological Station.
1943. December 30. With completion of the first purpose-built hospital at Kindley Air Force Base (KAFB), Bermuda, the infirmary that had been established at the Castle Harbour Hotel was finally closed out and the hospital facility that had been in operation at the Bermuda Biological Station was also shut down.
1954. It was resolved by the US Military in Bermuda that the base hospital had to be demolished and re-built from scratch at US taxpayers expense again as it had become too much of a liability. Over time, it had been established its beams, concrete and other structures were riddled with rust and related problems, apparently with sea water instead of fresh water used for building, using shoddy construction techniques.
1956. June 21, 1956. Kindley Air Force Base (KAFB), Bermuda celebrated a major event, with Bermudian help. The occasion was the official dedication of the brand-new base hospital up to latest US hospital standards, on the site of the old building which had been demolished because it had incurred some major building errors and its foundations and walls were doomed. Its use was confined to civilian and military employees and personnel of the US Military Forces in Bermuda and their military colleagues at the British and Canadian bases in Bermuda. It was designated as the 1604th Hospital (and stayed that way until 1967 when it was downgraded to a dispensary). Vanguard Construction of the USA built the new building, at a cost to US taxpayers of more than US$1,500,000. It had taken almost two years to build, mostly with Bermudian labor, with the complete interior decoration work undertaken by the Front Street, Hamilton firm of A. S. Cooper & Sons Ltd. The grand opening, held under sunny skies outside the hospital's main entrance, was attended by His Excellency, Governor Sir John Woodall; a delegation from the USA including Dr. Frank B. Berry, then Assistant Secretary of Defense (Health and Medical); Major General W. H. Powell, Jr., Deputy Surgeon General, United States Air Force; and the Honorable J. B. Pine, the United States Attorney General. Also in attendance were the Hon. Sir John Cox, then the Speaker of the Bermuda House of Assembly, the Venerable Archdeacon Stowe, who performed the Invocation and the Right Reverend Robert S. Dehler, Roman Catholic Bishop of Bermuda, who performed the Benediction.
1965. June. King Edward VII Memorial Hospital (KEMH) present building was completed (added to greatly since).
1970. Bermuda Hospitals Board (BHB) established. It brought King Edward VII Memorial Hospital and slightly re-named St. Brendan's Psychiatric Hospital under one governing body. Today, both are owned and staffed by this specialist agency of the Bermuda Government. See Bermuda Government Boards. There is also a Bermuda Hospitals Charitable Trust (BHCT), shown in Associations in Bermuda, B Listing. More than 1,500 staff are employed by the two hospitals. 
1971. Patients were transferred from old Prospect Hospital to newly opened Geriatric and Rehabilitation Unit at KEMH.
1995. When US Forces quit Bermuda, the former base hospital, by then demoted to a dispensary and Base Clinic, was abandoned.
1998. Additions to KEMH. They included new Surgical Wing, new Emergency Ward, Hospice, Intensive Care Unit, Pharmacy, etc. plus increased space for many Departments.
2005. 12th May. Mid Atlantic Wellness Institute (MAWI) became the new name and blue is the new colour of St. Brendan's Hospital in Devonshire.

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